Vocal Services
Savings Account
Share Accounts
These deposits are your membership in the credit union. Minimum $5 per owner required. Dividends are paid on an average daily balance on the last day of each quarter.
IRA Accounts
Traditional, ROTH, and Educational IRAs are offered. Deposits made between January 1 and April 15 (tax deadline) may be applied to the current year or the previous year. If the deposit should be applied to the previous year, a contribution direction form must be completed. Dividends are paid on an average daily balance on the last day of each quarter.
Christmas Club Account
Deposits are accepted throughout the year. During the first week of November, the credit union sends you a check for the funds from the account, just in time for the Holidays. A withdrawal from the account requires that the account be closed until funds have been disbursed for that year. Dividends are paid monthly on an average daily balance.
Sammy the Saver
Share accounts for members up to age 12. Each $5.00 deposit earns 1 Sammy dollar to be used to purchase items from the Sammy Store.
Money Market Accounts
Initial deposits must be $100.00 or more. Limited to six (6) withdrawals per month. Subsequent deposits must be $100.00 or more. Dividends are paid monthly on an average daily balance.
Certificate Accounts
Offered for varying terms with a minimum balance of $500.00. Early withdrawal penalties do apply. (see disclosure) Dividends are paid on an average daily balance on the last day of each quarter.
Summer Club Account
Deposits are accepted all year. In mid-August the credit union sends you a check for the funds in the account. A withdrawal requires the account to be closed until after that year’s Summer Club checks have been sent. Dividends are paid monthly on an average daily balance.
golden share accounts
For members age 60 and over.
News & Resources
Your Funds Are Safe at Vocal Credit Union
Dear Vocal Credit Union members, Nothing is more important to us than the security and safety of your money. You may have seen headlines in the news about the recent instability of a few financial institutions and have concerns about the potential impact on Vocal...
What is a Benefit of Obtaining a Personal Loan?
While they are quite common, the ins and outs of personal loans are still unknown to many. Many of our credit union members wonder what benefits there are to obtaining a personal loan and whether they do more harm than good. While it depends on your financial...
Financial Flexibility: 8 Advantages of a Checking Account
Checking accounts offer people of all ages and stages of life incredible financial flexibility. No matter your monetary situation, checking accounts are incredibly versatile, so they can help you reach your financial goals! Below, we’ll explore the advantages of a...